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Judgments, Bankruptcies and Liens A judgment is the decision of a court, whether via a judge or a jury, that determines the outcome of a civil or criminal court case. A civil court case involves a lawsuit, often over property disputes, landlord/tenant disputes, or other non-violent issues. A criminal court case might involve vehicular homicide, theft above a certain dollar amount, murder, drugs, drug paraphernalia and drug dealing. A bankruptcy occurs when a company or individual does not have enough money to cover their debts as agreed. When a person or company declares bankruptcy, they must file paperwork, attend a hearing, sometimes meet with their creditors, and depending on the type of bankruptcy, work out a payment plan or simply ask to be excused from ever paying back any of the debt. Some companies file for bankruptcy because they want to avoid getting hit with a lien. The lien forces them to pay back their creditors. If a company files for bankruptcy, they will avoid a lien and the necessity of paying creditors because it is now filed and documented with the courts that there is no money available to pay off creditors. A lien is a type of security interest granted for a property to secure the payment of a debt or some other obligation. For example, if you owe a debt, the entity owed may place a lien against your home, and this would show up in your credit record and public court files until the debt is paid. In the event the debt is not paid, they entity may be entitled to become the owner of your property. All of these legal circumstances can also be recorded as a judgment. Judgments determine who is at fault in a civil suit or a criminal suit, who is awarded money in a civil suit and how much money the injured party is awarded. A judgment is also recorded on the individual??s credit report, making it difficult for the person to obtain credit, get a job, get car or health insurance, and a number of other bad outcomes. There are six chapters of bankruptcy within the United States government: ? Chapter 7 bankruptcy: Basic liquidation for individuals and
businesses When conducting a background search, judgments can tell you a lot about
the individual and their character. You may also be able to contact the
companies who have judgments against the individual, or have placed liens
on the individual??s property, to dig up more important information on that
person. To really dig down for true information, there??s no better place
to start than http://www.governmentregistry.org/. |
Visitor Ratings: From "The Sketch Book." The elaborate Knickerbocker notes with which Irving, following a passing fashion of the time, sought to mystify the reader, are here omitted. They are hindrances now rather than helps. BY WASHINGTON IRVING (1783-1859) Setting. The Hudson River and the Kaatskill Mountains were first brought into literature through this story, Irving being the first American master of local color and local tradition. Since 1870 the American short story, following the example of Irving, has been the leading agency by which the South, the West, and New England have made known and thus perpetuated their local scenery, legends, customs, and dialect. Irving, however, seemed afraid of dialect. There were, it is true, many legends about the Hudson before Irving was born, but they had found no expression in literature. Mrs. Josiah Quincy, who made a voyage up the Hudson in 1786, wrote: "Our captain had a legend for every scene, either supernatural or traditional or of actual occurrence during the war, and not a mountain reared its head unconnected with some marvellous story." Irving, therefore, did not have to manufacture local traditions; he only gave them wider currency and fitted them more artistically into their natural settings. Irving chose for his setting the twenty years that embrace the Revolutionary War because the numerous social and political changes that took place then enabled him to bring Rip back after his sleep into a "world not realized." You will appreciate much better the art of this time-setting if you will try your hand on a somewhat similar story and place it between 1820 and 1840, when railroads, telegraph lines, and transatlantic steamers made a new world out of the old; or, if your story takes place in the South, you might make your background include the interval between 1855 and 1875, when slavery was abolished, when the old plantation system was changed, when the names of new heroes emerged, and when new social and political and industrial problems had to be grappled with. Plot. The plot is divided into two almost equal parts, which we may call "before and after taking." A recent critic has said: "The actual forward movement of the plot does not begin until the sentence, 'In a long ramble of the kind on a fine autumnal day, Rip had unconsciously scrambled to one of the highest parts of the Kaatskill Mountains.'" The critic has missed, I think, the main structural excellence of the story. Dame Van Winkle, the children who hung around Rip, his own children, his dog, the social club at the inn with the portrait of George the Third, Van Bummel, and Nicholas Vedder, all had to be mentioned before Rip began the ascent of the mountain. Otherwise, when he returned, we should have had no means of measuring the swift passage of time during his sleep. Each is a skillfully set timepiece or milepost which, on Rip's return, misleads the poor fellow at every turn and thus produces the exact kind of "totality of effect" that Irving intended. The forward movement of the plot begins with this careful planning of the route that Rip is to take on his return trip, when twenty years shall have done their work. Cut out these points de repere and see how effectively the forward movement of the plot is retarded.
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